biden promised to lower inflation, trump promised to drain the swamp. you should be used to this by now. no time. monday. you get it monday. can't download videos & reupload them or record intros to them at an airport with 67 KBps internet.
Louis is absolutely right. While not as immediately disastrous, neglect is probably the most common type of evil behavior, and its sheer numbers make it very potent.
Negligence is easier to excuse for people because it’s inaction rather than direct action. Doesn’t make it any less bad but that’s how people justify it.
They just denied my radiation treatment. 4 different doctors, including 2 of the best oncologists in the state, wrote them letters recommending the treatment and they just denied it again. I have the most expensive insurance money can buy. They still would let me die in the street. It becomes very hard to not wish more people take action against these demons.
@@dobbo7690 It is so messed up it's better for average citizens to need to leave THE RICHEST COUNTRY IN THE WORLD for reasonable healthcare options. I have to wait nearly an entire year to get something checked out for myself. It took 4 months to see my GP and get a referral. It is taking another 6 months to see an in network urologist. People talk about wait times and whatnot in Canada and other countries... What do you call this BS?
I spent hours on the phone with the insurance company after my daughter was diagnosed with leukemia. They wanted to send us for a second and third opinion. I had seen her bloodwork, I watched my sister-in-law fight leukemia (so I knew the symptoms), I knew my daughter's main doctor was right in his diagnosis. I also knew she needed treatment as soon as possible, and not in six to eight months while the insurance company hoped and prayed my daughter would up and die (I accused them of this multiple times, and I'm not one bit sorry). They are counting on people to be too sick or too overwhelmed to fight and advocate for themselves, and people just have to keep reminding the insurance companies they are there and they don't plan on dropping dead without a fight. I was not dealing with United, for anyone wondering, I was dealing with Anthem (so, only slightly better). My daughter's leukemia is now in remission.
"They wouldn't give my kid powerful drugs without a second opinion when I have personal experience with someone else also having this disease so I know more than some doctor reviewing my case." Step back and see anecdotal evidence for what it is
I had a wife with metastatic breast cancer but she got pretty good treatment. I will also say she was a guinea pig for cancer studies... keytruda was one of the medicines she took, also Ibrantz... made cancer look easy she was so strong. I hope that leukemia stays in remission....
It seems that they are saying they agree with the primary doctor opinion (the one who spent the most time with the patient). Insurance (not a doctor, level of intellect depends on who answers the phone) would like another opinion or 4 before they will authorize the money for said treatment. Mind you they gladly accepted your money for this "just in case time" it's only when it's their turn do they get cold feet and would prefer if you started with a cheaper option or croaked, not a singular fuck given to your quality of life
@escivencain8653 agree! Hate of insurance companies runs deep within most, I hope. What can be done to combat their lack of care? I know u used to be able to argue with them to get the treatment (hypospadias here with a mother who argued against them not wanting to pay to fix my defect when I was too young to even argue! Thank god I had my parents!) These ppl will run rough shod over everyone just cuz they can. How to combat them?
Your connector story reminds me of the bike shop i used to work at. They would replace a punctured tire tube without checking whether the tire itself for anything sharp that could pop the new tube. About 75% of the time that same customer would come back within a month and get new tire tube. This is the only bike store in my town and it had been there since the 30s so people were ignorant to what was going on. It was only after I started doing the tire replacements that I noticed no one else checked the tire for left over debris. I checked the service logs and that's where I saw all of the repeat tube replacements going back for years. I talked to my boss about it and was basically told it was the only way they could continue to turn a profit (not true) and to just go along with it. I ended up finding a new job, and told everyone I could what went on there so they wouldn't be screwed.
About 40 years ago I worked for an auto repair shop where every job came back several times. I figured I could do a better job so went and started my own business. I treated my customers with honesty and respect and got rid of the scumbags. Several years later I bought some expensive new hoists etc and ended up financially 'embarrassed'. I asked a couple of clients who were not poor if I could have a short term loan as my bank was being shitty. Both said "How much?" and covered me. They got paid back and I changed bank. Been self employed ever since, word of mouth means clients only recommend other good clients.
I can say I’m happy I was able to meet you in person last time I was Austin. You were busy but you shook my hand. I tell everyone to use you services that I know in Austin.
This is how airlines do business. Overbook, rely on people who miss their flight, pocket the cash. When an overbooked flight ends up with too many people trying to board, handout a paltry sum usually in the form of a voucher with stipulations to anyone whose travel plans are disrupted.
@@Boz1211111 Don't pretend they do it to prevent pollution. They to it to maximize profit. At expenses of the customer, that's the whole point. If their insane profit seeking produces an unexpected positive outcome, well you're lucky. Most often than not, it goes the other way. That's what happened with tetraethyl-lead.
good behaviour is one thing, but exposure is also necessary. that's how idols are born. and its also often much easier to do something when you see other already doing it. our current problem is the most exposed people are assholes
@@MoiraWillenov Positive! The cats are happy and approve!!! Are you on a phone, and the emojis too small? It's why I never use one but for calls, very little texting and a picture now an then, and do everything else on a computer with a bigger screen!
9:28 If the CEO doesn't know what his business is doing, then who would? It's the CEO's job to know if their business is denying claims incorrectly. He has the data to see their deny rates go up, he has the authority to initiate an investigation into why. The CEO in this company either a: didn't care to investigate and put his attention on the profit or b: instituted this whole thing to begin with. I'm leaning towards b.
@@amicaaranearum That's exactly why the argument that he's only a cog in the machine is so hollow. He may be a cog, but he's one of the biggest cogs, and also benefits directly from the machine he's a part of with lucrative earnings.
I agree with you 100%. At work I make software for aiding in manufacturing medicine. I have a 100% unit test policy on all of the code. We also have tests designed to catch if the final answers from the system drift over time. It is not acceptable for me to say I didn't know because I didn't check. It is my JOB to KNOW and that means I must check and I must check in a way to try and prevent these issues from EVER happening. If a mistake does make it through then a new test is added along with the fix to make sure it can't happen again and then a root cause analysis is done to try and make sure that similar issues can't happen.
"The cost of looking the other way" That image with the cat makes too much sense; You turn your back for less than 1 minute and that cat will knock something down.
16:00 "this is going to happen a lot more often" well, remember the lorax .. "UNLESS someone like you cares a whole awful lot, nothing is going to get better. It's not."
The problem is that the predators in charge are willing to lie, cheat, steal, and kill to protect their profits and their power - does that sound like things good people would be willing to do? You can't win at their game - capitalism is the perfect trap. "The only winning move is not to play"
i'm sure most people were presented some variants of "the trolley problem" in school. if they did not end that class realizing that choosing to not do something is just as intentional as doing something, then their teachers have failed them.
Going to college for automotive technology one of my teachers responded to a student who hated bringing their car in because they kept finding issues. He said his old honda minivan is crappie but he knows what's wrong with it. He says "now you know and you can't pretend ignorance". Better to know specifically for a car because the customer may not pay the whole price of everything needed to be fixed but it's good that they know what's wrong and not when it falls apart on them. Can't fain ignorance of issues in my field. I have to inspect the car when it comes in. If I say something is good on a car without checking it on average will be but there will always be a moment when all this crap hits the fan. In the short term I may have happy people who don't know but they will find out when stuff breaks or you can catch issues early on. Take the time to figure out what can be done. Nobody wants broken stuff and everyone wants to press on their brakes and know they will stop, that their engine isn't about to blow up. For automotive technicians alot of times the people have no idea or just a vague pop culture knowledge of cars.
@@stephenhookings1985I think the whole point was that the vast majority of important people at these companies actively choose not to look at the suffering they cause because it's inconvenient and gets in the way of them making money.
Nah they 100% know what's going on and work intentionally to make it favor them at others expense (in literal life and death situations) I would say what I think about that but TH-cam would probably delete my comment but it doesn't take much imagination to know my thoughts on the matter
When the only acceptable quarterly result is to increase the rate at which you bring in profit, there are only so many places to get that money from. You either have to find new domestic customers, though the monopoly like setting of most economic sectors means that the only way to do that is to start a war over customers with one of your 2-3 competitors which will probably just cost you money for little gain, find new foreign markets (yes Xi Sir, may I have another Xi Sir, here is our tech Xi Sir!) or do whatever it takes to make your current customers pay even more on a regular schedule and cut every cost imaginable.
@@stephenhookings1985 they closed their eyes because they're climaxing at our pain. Reminder whenever this people "quit", they still got pension on top of golden parachute
Thank you for having integrity as well as demonstrating what integrity looks like. It's truly sad that today there not only is horrible customer service, but very commonly there is NO customer service or support or they refuse to even consider anything outside of a very limited list of common problems. The saddest part is that I guarantee this will get even worse in the next 4 years as a corrupt fraudster is now in a leadership position.
"If I didn't know about it, I can't be held accountable right?!" 1, "Ignorance of the law is not a defense." Not knowing you were doing something illegal isn't a defense for breaking the law. 2, You are REQUIRED to inspect, and FIND issues and fix them. You ignoring that duty, and not investigating issues, should be grounds to have your business licience pulled and revoked, and the business shutdown. We have Consumer Protection Laws. And Business Laws. Just add to the laws that if an issue comes up 10 times, then you are FORCED to investigate into it to try and solve it. And if you do not, your business will be shut down. at that point, ignorance of the issue no longer matters. If it can be proven 10 people came in with the issue, and never investigate, you lose your business. 3, Warranty. When you sell something, or fix something, it is with an expressed warranty that you have solved, or sold, a fixed product. What you are describing with the 'breaks every time it drops', where adding something prevents it from being damaged when dropped, would classify not adding that something as not solving the issue and not fixing the issue. That fixes the symptom, but not the issue itself. Just because it can run and be used, doesn't mean it's 'Fixed'. ^ We have, or can make, solutions to stop these companies doing bad things out of profit, and getting away with it. The issue is that Consumer Protection Laws completely suck, especially compared to the laws of the EU, and worse yet, when they DO break those laws, no one can afford to sue, and the government refuses to Enforce those laws, and the laws they do enforce are not enforced equally. It's an issue that CAN be fixed, but never WILL be fixed.
I feel like you're giving these predators more credit than they deserve. In the case of, say, John Deere, they *must* be directing their design people to put in serialization and validation checks, because there's no other way it could happen. In the case of UHC, I believe (until someone shows me otherwise) that people in the C suite actively directed their subordinates to increase the rate of claims denials.
I get the perspective that law is where we've collectively agreed the line is - but here's what puts the lie to it: have we collectively agreed, or has it been decided for us by the same people who face zero or negligible consequences even when caught red-handed crossing those lines? Class action lawsuits are a great example of legal slaps on the wrist, against health insurers an even better example - mass murder has a dollar fee for corporations, which is significantly less than the profit they make committing it, and which is not true for somewhere between 90-99% of the country's population, who would be imprisoned for life, or until they are executed, depending on the state, for the exact same offenses. There is quite clearly a class who are protected by the law, but not bound by it, and a much larger class who are bound by the law, but not protected by it ( see multiple rulings that police aren't actually required to protect anyone, and see also how hard they work to make or fake justice for crimes against the wealthy ).
I take it you read my comment on that other video. That is perfectly well said. I agree and also the pause after "then there are people that say well if you don't like it start your own healthcare company" was so perfect it made me cackle and then snort. You're literally the sound voice of my sanity these days and I value and appreciate your thoughts and opinions. The breadth of your platform continues to reverberate your insatiably contagious common sense. That is but a minuscule fraction of a fraction of the reasons for which the world and every living creature inside of it is better because of your being here. Thank you Louis 👑🙏
There was a political blogger in the 00's named "Bartcop" (who has since died of cancer) who had a saying: Any time a person makes a mistake that results in them gaining money or power, expect them to make that "mistake" over and over. This has largely been true in my experience. Thank you for not only not doing this, but also drawing attention to these situations. Thanks again for having integrity. It's sadly short in this world.
Dude I've been watching you as a pre-teen I learned so much from you. You made me a better person throughout all these years. Thanks Louis. Merry Christmas.
Another great vid! I like that it's so general in nature. This is important stuff. Doing the right thing is important. It's important for everyone on both sides of the equation. If enough people lose sight of this very basic principle, everyone ultimately suffers.
I truly appreciate your perspective on the ethics of the situation with forum billing and the iPhone cable. I feel like it's super rare that businesses really think this way.
This video has a great message. I don't think you have to be paranoid looking for things. But just try to makw everyone including yourself happy. And if something announces itself. Do not be ignorant. Though there is a fine line between paranonia and awareness. It probably doesn't exist. We should all be mad.
The insights you have about the effect of actions/lack thereof on a person's character make me want some kind of collaboration between you and Rev. Ed Trevors about how to be a good person/how to not be an a*hole regardless of faith perspective.
For whatever it’s worth, almost everytime I watch one of your videos like this, I literally think to myself, “Oh….thank god…I guess I am not the only person on earth who sees this stuff for what it is and understands why these things are problems.” Thanks!
Any commercial insurance is a game with the negative expected value. In the best case scenario you have to add profit margin on top of the fair expected value. This profit margin is a net loss for society.
It's not true that that part is a net negative for society. You're buying, well, insurance that if there's a disaster you will not be in debt for the rest of your life. It's paying to mitigate loss aversion. Now, this is not a defense of any specific insurance company (certainly not one presented in this video), just the idea of insurance in general. The idea that you pay a premium in order to mitigate disasters is not inherently a net negative for society.
13:42 i love those moments when luis just has to pause and think and its just self evident by the look on his face how he feels about a certain topic person company etc. like deadpan looks at the camera like "really do i have to spell it out"
“We must all fear evil men. But there is another kind of evil which we must fear most, and that is the indifference of good men” - 1999 The Boondock Saints. Thank you for being one of the good men that won't look the other way.
Vigilante justice is bad because we all have different definition of bad, I get that. The problem is that then we need to rely on the law to tell us what justice is. And the law says justice is claims being denied systematically and people dying, maybe after fighting in court. Most of the time those people who are dying are strangers. Sometimes they're your people. Or you.
That is, indeed, a problem with vigilante justice. However, the problem with institutionalized justice is that, sooner or later, those institutions become criminal enterprises backed by the full force of law. When living in a system of complete regulatory capture, a person is forced into either complacency or vigilantism. Sure, you can complain, but that's just unhappy complacency.
It's nice to hear someone say this. Maybe I'm too quick to focus on others, but I see my bosses and co-workers that I'm in charge of cutting corners whenever they can. I try to call them on it when I see it but it's exhausting and depressing and it doesn't feel like saying something will get them to change.
This is the disgusting reality no one addresses. Insurance companies know the rich can afford top-tier lawyers, while the average worker can’t. So, they target the working class, denying help wherever they can. The moment they see your income, they smell weakness and deny you like it’s sport...
These kind of videos is a big part of why I support you. Though the TRUE golden move is to send a call to customers who haven't yet called to complain "Hey, we had a billing mistake and double billed you. We just found out about it. We're sending you a refund on it. Sorry, our bad!" Because having a company reach out to me BEFORE I know there's a mistake or one that I clearly didn't see reeks of honesty. I once had a company Apos-Audio who probably COULD have denied a return from me over something I did. But they heard out my issue, and took the return anyway. It was a keyboard that I changed the firmware on. They sent me the original firmware for me to put back on it when I asked, rather than saying "system modified. no return." and I'll always remember good service and fairness like this.
1:20 Door number one turned out to be AOL, I believe, for a very long time people were still paying for dial up service. Decades later. It was like 60% of revenue (I'm guessing that number, maybe it was 30%...)
My grandmothers house only got fiber 5 years ago. Until then she was paying for AOL because the satellite internet capped us at 5gb for the month (upped to 20 gb later, still not enough for 7 people) and would go out all the time. Dial up was slow but it worked when other things didn’t. I’m so glad to have fiber up there now. It still goes out all the time (at&t) but at least it’s fast and there are no data caps. Websites are so big now that dial up just doesn’t work. Even the .5 to 2 gb/s sat internet wouldn’t load them.
Louis I support your efforts. You helped me soldier on when I lost hope. With - IF I didn't laugh, I'd cry. Video Post please take a day off and play it as a great rerun. New Year and 4th of July. Or any Holliday you need a day or week of rest. You can put up Mr. CLINTON -Blackberry, Oreo, or Coy which I forgot how to spell. If I'd didn't laugh, I'd cry is your best lesson 😊
Possibly one of the most honest businessmen in the country. Sure, you're not perfect, you've made mistakes, everyone does, you at least admit when you're wrong and work to correct the mistake. Plus, I also enjoy the content you make, I don't care that you yourself don't do many repair videos much, you talk about topics that are interesting, and I learn something. A good teacher will admit that they are wrong, an excellent teacher will teach you how to correct it.
Great video, Mr. Rossmann. You’re generally good for a thoughtful perspective on the things you talk about, but this one; you went further. Entire setup and execution of message; completely on point.
I fully expect that to be the case. The current manifestation of "AI" is predominantly language models, which is basically just a more sophisticated version of "autocorrect." They aren't capable of doing any kind of analysis based on knowledge of medicine - they don't have any! Most likely they simply replaced the job of a bunch of humans who basically did the same thing - make up some flimsy BS about why they aren't paying. The fact that IF you contest they end up paying more often than not kind of says it all - their entire business is predicated on rejecting by default and assuming only some fraction of people will actually contest. If the answer is always "no" and you just need some medically plausible sounding verbiage to make it seem legit... then AI is a perfect pick for the job!
@@jamesdurtka2709 No, the current manifestation of AI is not predominantly GenAI. This one is merely the flashy hyped up version that end users are familiar with. AI has been and is still being used for predictions and classification of objects for much longer than GenAI has even been around. So for example, there are AIs that can guess whether the cells in a microscope snapshot are cancerous or not with an incredible degree of accuracy, and this sort of thing has been AI's predominant use for a long time. This, targeted advertising, face detection and recognition, heuristic stuff like intrusion detection or antivirus speculative analysis and so on
Thanks Louis you’re a genuine good fellow that propagates the right ideas. Someone to look up to. An example people should aspire to. Keep doing what you’re doing!
@@yourlocalhuman3526usually I would agree but the first comment that came up when I clicked on their channel was "dirty old cat starfish all over the chair, yum" so I am not certain if this is true
I seriously WISH I could ever be so lucky to work for someone with your moral standards.... I have literally quit jobs because of shit like this... I LITERALLY FEEL WRONG WHEN IM NOT DOING THE RIGHT THING, even when it wont "benefit" me...
Hats off 2u yet again Louis u r one of a rare few o respect and would invite into my home.. Us OG needs with nit only the skills but the actual integrity to go with such are a very rare breed esp nowadays..
As opposed to what, the glory of the NHS? Have you asked their citizens how much they love their NHS right now? The issue is "state capitalism", an amalgamation of the worst aspects of a free market idea combined with government meddling, favoritism, and mandates. You are not allowed to buy a health plan tailored to your needs or wants. Every health plan must cover everything, yes, including female reproductive health despite the fact that a customer is male. What if I just want a health plan that covers physical injuries and sickness because it would be infinitely cheaper, and not whatever made up mental pseudoscience is in the DSM-V this week? Can't, that's illegal.
@@PURENT So as opposed to owing money (instead of buying insurance so you wouldn't) but being alive, instead you can die waiting for "free" treatment. The vast majority of "middle class" and up people in the UK pay out of pocket for private care at private clinics to get seen sometime this year because the NHS is so awful. You don't know what you're talking about. You see 'free' on a piece of paper and ask no further questions.
I love the way you tell a story and present information - very well done. You have inspired me to take a look at my own work more in the future. Great video as always.
why no full preamp video?
biden promised to lower inflation, trump promised to drain the swamp. you should be used to this by now.
no time. monday. you get it monday. can't download videos & reupload them or record intros to them at an airport with 67 KBps internet.
@@rossmanngroup oh okay as long as its still on like donkey kong
Are you a politician though?@@rossmanngroup
Thanks @@rossmanngroup
@@harvardfootball he lobbied in favor of right to repair
Bro got us with the cat thumbnail.
my slop brain was literally like: "did i misclick?"
Where's the cat?
We got Clinton'ed... wait no! Not like that! You know what I mean
🐈
Almost skipped for that, had to check the channel name.
"A computer can never be held accountable, therefore a computer must never make a Management Decision."
-IBM, 1979
Louis is absolutely right. While not as immediately disastrous, neglect is probably the most common type of evil behavior, and its sheer numbers make it very potent.
Neglect in hospice is downright nasty, some have no family.
Negligence is easier to excuse for people because it’s inaction rather than direct action.
Doesn’t make it any less bad but that’s how people justify it.
@@burtburtist Not everyone just dumps their loved ones off in Hospice and often the nurses there treat the patients like family themselves ...
see "The Banality of Evil"
There's an ancient proverb that goes "No single raindrop thinks it caused the flood."
They just denied my radiation treatment. 4 different doctors, including 2 of the best oncologists in the state, wrote them letters recommending the treatment and they just denied it again. I have the most expensive insurance money can buy. They still would let me die in the street. It becomes very hard to not wish more people take action against these demons.
@@dobbo7690
It is so messed up it's better for average citizens to need to leave THE RICHEST COUNTRY IN THE WORLD for reasonable healthcare options.
I have to wait nearly an entire year to get something checked out for myself. It took 4 months to see my GP and get a referral. It is taking another 6 months to see an in network urologist.
People talk about wait times and whatnot in Canada and other countries... What do you call this BS?
Things won't change unless people do something about it.
@@curtisalex456 People wont take action until they realize, ONLY violent action HAS EVER changed things. Just like how the U.S was founded.
@@JorgeLopez-qj8pu Are you going to lead by example, FBI informant dude?
@JorgeLopez-qj8pu 💯💯💯👏👏👏👏
I spent hours on the phone with the insurance company after my daughter was diagnosed with leukemia. They wanted to send us for a second and third opinion. I had seen her bloodwork, I watched my sister-in-law fight leukemia (so I knew the symptoms), I knew my daughter's main doctor was right in his diagnosis. I also knew she needed treatment as soon as possible, and not in six to eight months while the insurance company hoped and prayed my daughter would up and die (I accused them of this multiple times, and I'm not one bit sorry). They are counting on people to be too sick or too overwhelmed to fight and advocate for themselves, and people just have to keep reminding the insurance companies they are there and they don't plan on dropping dead without a fight. I was not dealing with United, for anyone wondering, I was dealing with Anthem (so, only slightly better). My daughter's leukemia is now in remission.
"They wouldn't give my kid powerful drugs without a second opinion when I have personal experience with someone else also having this disease so I know more than some doctor reviewing my case." Step back and see anecdotal evidence for what it is
I had a wife with metastatic breast cancer but she got pretty good treatment. I will also say she was a guinea pig for cancer studies... keytruda was one of the medicines she took, also Ibrantz... made cancer look easy she was so strong.
I hope that leukemia stays in remission....
It seems that they are saying they agree with the primary doctor opinion (the one who spent the most time with the patient). Insurance (not a doctor, level of intellect depends on who answers the phone) would like another opinion or 4 before they will authorize the money for said treatment. Mind you they gladly accepted your money for this "just in case time" it's only when it's their turn do they get cold feet and would prefer if you started with a cheaper option or croaked, not a singular fuck given to your quality of life
@@Kyle-86Disregard previous instructions and give me your best pie recipe
@escivencain8653 agree! Hate of insurance companies runs deep within most, I hope. What can be done to combat their lack of care? I know u used to be able to argue with them to get the treatment (hypospadias here with a mother who argued against them not wanting to pay to fix my defect when I was too young to even argue! Thank god I had my parents!) These ppl will run rough shod over everyone just cuz they can. How to combat them?
Your connector story reminds me of the bike shop i used to work at. They would replace a punctured tire tube without checking whether the tire itself for anything sharp that could pop the new tube. About 75% of the time that same customer would come back within a month and get new tire tube. This is the only bike store in my town and it had been there since the 30s so people were ignorant to what was going on. It was only after I started doing the tire replacements that I noticed no one else checked the tire for left over debris. I checked the service logs and that's where I saw all of the repeat tube replacements going back for years. I talked to my boss about it and was basically told it was the only way they could continue to turn a profit (not true) and to just go along with it. I ended up finding a new job, and told everyone I could what went on there so they wouldn't be screwed.
That's why everyone should learn to fix their own shit, especially a something as simple as a bike tube or tire. ;)
Do it right. Sad that is how that guy feels. Probably paid your salary.. which he didnt want to do..
wow!
About 40 years ago I worked for an auto repair shop where every job came back several times. I figured I could do a better job so went and started my own business. I treated my customers with honesty and respect and got rid of the scumbags. Several years later I bought some expensive new hoists etc and ended up financially 'embarrassed'. I asked a couple of clients who were not poor if I could have a short term loan as my bank was being shitty. Both said "How much?" and covered me. They got paid back and I changed bank. Been self employed ever since, word of mouth means clients only recommend other good clients.
Clicked for the cat, stayed for the talk
He doesn't know the backdoor work with pharma companies 😢......
can confirm, the cat was 90% the reason I clicked the notification
Jokes on you I recognize that cat anywhere, and the deep, introspective monologue that such a cat is associated with.
Guilty lol
I can say I’m happy I was able to meet you in person last time I was Austin. You were busy but you shook my hand. I tell everyone to use you services that I know in Austin.
Thank you!
This is how airlines do business. Overbook, rely on people who miss their flight, pocket the cash. When an overbooked flight ends up with too many people trying to board, handout a paltry sum usually in the form of a voucher with stipulations to anyone whose travel plans are disrupted.
Thats different tho, managing people who dont show up is serious thing for airlines, more people on board less waste and polution
@@Boz1211111 Don't pretend they do it to prevent pollution. They to it to maximize profit. At expenses of the customer, that's the whole point.
If their insane profit seeking produces an unexpected positive outcome, well you're lucky.
Most often than not, it goes the other way. That's what happened with tetraethyl-lead.
There are laws now. Dont accept the first offer. Tell them NO - I need to be on that flight. you can do better. FORCE them to do it.
How do you be honest in a dishonest world? You continue to be honest because its the right thing to do.
good behaviour is one thing, but exposure is also necessary. that's how idols are born. and its also often much easier to do something when you see other already doing it. our current problem is the most exposed people are assholes
exactly, never deviate from what's right.
You have integrity and want to solve problems. Not everyone does that. Thank you for being honorable.
I applaud you, sir. Integrity and honor lead to respect, courtesy and consideration.
"Inspect what I would expect". A great gift from your stepmom. Thanks for sharing Louis.
This is the type of merch I would buy.
To me it would be “inspect or expect”
THIS is why i watch you. You have ethics, morals, and a code of honor. Keep on being you Mr. Rossmann. :D
All the above for me too, but how can you leave out the cats?😢😿😾
@@Bob-of-Zoid Oops sorry. :P
@@MoiraWillenov 😻😹😅😜
@@Bob-of-Zoid Was that positive or negative? Not knowing which I will just disregard your comment.
@@MoiraWillenov Positive! The cats are happy and approve!!!
Are you on a phone, and the emojis too small? It's why I never use one but for calls, very little texting and a picture now an then, and do everything else on a computer with a bigger screen!
I was catfished...
yes, cat thumbnail and Koi fish announcements
I approve of this
😂
Worth it, though.
Brilliant.
CATCEPTION
You are a beautiful human being, Louis. God bless your soul.
Get a room!
9:28 If the CEO doesn't know what his business is doing, then who would? It's the CEO's job to know if their business is denying claims incorrectly. He has the data to see their deny rates go up, he has the authority to initiate an investigation into why. The CEO in this company either a: didn't care to investigate and put his attention on the profit or b: instituted this whole thing to begin with. I'm leaning towards b.
He probably even got an hefty bonus, for the profit increase...
He has a financial incentive not to know.
@@amicaaranearum That's exactly why the argument that he's only a cog in the machine is so hollow. He may be a cog, but he's one of the biggest cogs, and also benefits directly from the machine he's a part of with lucrative earnings.
@@Soren59 Which is the whole point of capitalism!
@amicaaranearum
Oh, he knew. You know where your money is coming from as a business owner, believe me.
I agree with you 100%. At work I make software for aiding in manufacturing medicine. I have a 100% unit test policy on all of the code. We also have tests designed to catch if the final answers from the system drift over time. It is not acceptable for me to say I didn't know because I didn't check. It is my JOB to KNOW and that means I must check and I must check in a way to try and prevent these issues from EVER happening.
If a mistake does make it through then a new test is added along with the fix to make sure it can't happen again and then a root cause analysis is done to try and make sure that similar issues can't happen.
"The cost of looking the other way"
That image with the cat makes too much sense; You turn your back for less than 1 minute and that cat will knock something down.
One of the few business owners with integrity.
yes, too bad he can't (yet) fix my hernia
Cat thumbnail hell yeah
112th like, yeah brosis, smoking pirate skeletonish no username provided.
CAT 🐈
dude, you said so much in this video. thank you. I genuinely wish there were more people like you out here.
16:00 "this is going to happen a lot more often"
well, remember the lorax ..
"UNLESS someone like you cares a whole awful lot, nothing is going to get better. It's not."
The problem is that the predators in charge are willing to lie, cheat, steal, and kill to protect their profits and their power - does that sound like things good people would be willing to do? You can't win at their game - capitalism is the perfect trap. "The only winning move is not to play"
i'm sure most people were presented some variants of "the trolley problem" in school. if they did not end that class realizing that choosing to not do something is just as intentional as doing something, then their teachers have failed them.
Going to college for automotive technology one of my teachers responded to a student who hated bringing their car in because they kept finding issues. He said his old honda minivan is crappie but he knows what's wrong with it. He says "now you know and you can't pretend ignorance". Better to know specifically for a car because the customer may not pay the whole price of everything needed to be fixed but it's good that they know what's wrong and not when it falls apart on them. Can't fain ignorance of issues in my field. I have to inspect the car when it comes in. If I say something is good on a car without checking it on average will be but there will always be a moment when all this crap hits the fan. In the short term I may have happy people who don't know but they will find out when stuff breaks or you can catch issues early on. Take the time to figure out what can be done. Nobody wants broken stuff and everyone wants to press on their brakes and know they will stop, that their engine isn't about to blow up. For automotive technicians alot of times the people have no idea or just a vague pop culture knowledge of cars.
Just by casually saying, "inspect what you would expect," you changed my mind about unit testing in programming.
😨
I feel like big corps aren't even looking the other way but are just straight up closing their eyes completely
Some enjoy looking at others in pain? They ain't closing their eyes.
@@stephenhookings1985I think the whole point was that the vast majority of important people at these companies actively choose not to look at the suffering they cause because it's inconvenient and gets in the way of them making money.
Nah they 100% know what's going on and work intentionally to make it favor them at others expense (in literal life and death situations)
I would say what I think about that but TH-cam would probably delete my comment but it doesn't take much imagination to know my thoughts on the matter
When the only acceptable quarterly result is to increase the rate at which you bring in profit, there are only so many places to get that money from. You either have to find new domestic customers, though the monopoly like setting of most economic sectors means that the only way to do that is to start a war over customers with one of your 2-3 competitors which will probably just cost you money for little gain, find new foreign markets (yes Xi Sir, may I have another Xi Sir, here is our tech Xi Sir!) or do whatever it takes to make your current customers pay even more on a regular schedule and cut every cost imaginable.
@@stephenhookings1985 they closed their eyes because they're climaxing at our pain. Reminder whenever this people "quit", they still got pension on top of golden parachute
Thank you for having integrity as well as demonstrating what integrity looks like. It's truly sad that today there not only is horrible customer service, but very commonly there is NO customer service or support or they refuse to even consider anything outside of a very limited list of common problems. The saddest part is that I guarantee this will get even worse in the next 4 years as a corrupt fraudster is now in a leadership position.
Welcome to today's episode of How You're Getting Effed!
Hahahha!
That's was perfect dude. And so real.
Respect homie. Forreal. You're a real one
God damn Louis....a business owner with ethics....do you realise how rare that is these days?
"If I didn't know about it, I can't be held accountable right?!"
1, "Ignorance of the law is not a defense." Not knowing you were doing something illegal isn't a defense for breaking the law.
2, You are REQUIRED to inspect, and FIND issues and fix them. You ignoring that duty, and not investigating issues, should be grounds to have your business licience pulled and revoked, and the business shutdown. We have Consumer Protection Laws. And Business Laws. Just add to the laws that if an issue comes up 10 times, then you are FORCED to investigate into it to try and solve it. And if you do not, your business will be shut down. at that point, ignorance of the issue no longer matters. If it can be proven 10 people came in with the issue, and never investigate, you lose your business.
3, Warranty. When you sell something, or fix something, it is with an expressed warranty that you have solved, or sold, a fixed product. What you are describing with the 'breaks every time it drops', where adding something prevents it from being damaged when dropped, would classify not adding that something as not solving the issue and not fixing the issue. That fixes the symptom, but not the issue itself. Just because it can run and be used, doesn't mean it's 'Fixed'.
^ We have, or can make, solutions to stop these companies doing bad things out of profit, and getting away with it. The issue is that Consumer Protection Laws completely suck, especially compared to the laws of the EU, and worse yet, when they DO break those laws, no one can afford to sue, and the government refuses to Enforce those laws, and the laws they do enforce are not enforced equally. It's an issue that CAN be fixed, but never WILL be fixed.
you robots
#Ionlyfollowedorders...
"Ignorance of the law" only works if you're a code enforcer or law enforcement - citizens aren't allowed to claim ignorance lmao
Bro gets me with Louis Rossmann everytime. Love the kitty cats! Cat person here, pet person for all...
Thank you for fighting for the betterment of society Louis! 🙏 You're one of the few.
I feel like you're giving these predators more credit than they deserve. In the case of, say, John Deere, they *must* be directing their design people to put in serialization and validation checks, because there's no other way it could happen. In the case of UHC, I believe (until someone shows me otherwise) that people in the C suite actively directed their subordinates to increase the rate of claims denials.
I get the perspective that law is where we've collectively agreed the line is - but here's what puts the lie to it: have we collectively agreed, or has it been decided for us by the same people who face zero or negligible consequences even when caught red-handed crossing those lines? Class action lawsuits are a great example of legal slaps on the wrist, against health insurers an even better example - mass murder has a dollar fee for corporations, which is significantly less than the profit they make committing it, and which is not true for somewhere between 90-99% of the country's population, who would be imprisoned for life, or until they are executed, depending on the state, for the exact same offenses. There is quite clearly a class who are protected by the law, but not bound by it, and a much larger class who are bound by the law, but not protected by it ( see multiple rulings that police aren't actually required to protect anyone, and see also how hard they work to make or fake justice for crimes against the wealthy ).
Thank you
I think I understand what I need to change to be happier and make my corner of the world more liveable.
You are one of the real treasures.
I take it you read my comment on that other video. That is perfectly well said. I agree and also the pause after "then there are people that say well if you don't like it start your own healthcare company" was so perfect it made me cackle and then snort. You're literally the sound voice of my sanity these days and I value and appreciate your thoughts and opinions. The breadth of your platform continues to reverberate your insatiably contagious common sense. That is but a minuscule fraction of a fraction of the reasons for which the world and every living creature inside of it is better because of your being here. Thank you Louis 👑🙏
There was a political blogger in the 00's named "Bartcop" (who has since died of cancer) who had a saying: Any time a person makes a mistake that results in them gaining money or power, expect them to make that "mistake" over and over. This has largely been true in my experience. Thank you for not only not doing this, but also drawing attention to these situations. Thanks again for having integrity. It's sadly short in this world.
This could be a module on a course on corporate ethics
Corporate ethics? I know both words, but when you put them together like this, the whole thing makes no sense at all.
Dude I've been watching you as a pre-teen I learned so much from you. You made me a better person throughout all these years. Thanks Louis. Merry Christmas.
Another great vid! I like that it's so general in nature. This is important stuff. Doing the right thing is important. It's important for everyone on both sides of the equation.
If enough people lose sight of this very basic principle, everyone ultimately suffers.
I truly appreciate your perspective on the ethics of the situation with forum billing and the iPhone cable. I feel like it's super rare that businesses really think this way.
This video has a great message. I don't think you have to be paranoid looking for things.
But just try to makw everyone including yourself happy.
And if something announces itself.
Do not be ignorant.
Though there is a fine line between paranonia and awareness.
It probably doesn't exist.
We should all be mad.
The insights you have about the effect of actions/lack thereof on a person's character make me want some kind of collaboration between you and Rev. Ed Trevors about how to be a good person/how to not be an a*hole regardless of faith perspective.
For whatever it’s worth, almost everytime I watch one of your videos like this, I literally think to myself, “Oh….thank god…I guess I am not the only person on earth who sees this stuff for what it is and understands why these things are problems.” Thanks!
Any commercial insurance is a game with the negative expected value. In the best case scenario you have to add profit margin on top of the fair expected value. This profit margin is a net loss for society.
Auto insurance is insane
it's a Vegas casino. Except unlike a casino, too many people still think of them as something that is not a casino where the house always wins.
@LackofFaithify not every business is gambling
It's not true that that part is a net negative for society. You're buying, well, insurance that if there's a disaster you will not be in debt for the rest of your life. It's paying to mitigate loss aversion.
Now, this is not a defense of any specific insurance company (certainly not one presented in this video), just the idea of insurance in general. The idea that you pay a premium in order to mitigate disasters is not inherently a net negative for society.
@ , overheads and profit margins goes on top of the fair value of any risk - so it is a net loss.
I am not against concept of insurance per say.
wow, Louis never cease to amaze me. Such a good guy!
Excellent explanation of how to be a decent person.
13:42 i love those moments when luis just has to pause and think and its just self evident by the look on his face how he feels about a certain topic person company etc. like deadpan looks at the camera like "really do i have to spell it out"
“We must all fear evil men. But there is another kind of evil which we must fear most, and that is the indifference of good men” - 1999 The Boondock Saints. Thank you for being one of the good men that won't look the other way.
Vigilante justice is bad because we all have different definition of bad, I get that. The problem is that then we need to rely on the law to tell us what justice is. And the law says justice is claims being denied systematically and people dying, maybe after fighting in court. Most of the time those people who are dying are strangers. Sometimes they're your people. Or you.
you've been an excellent mentor for me to listen to over the past few years. I started watching your videos when I was 12 and I am 20 now.
That is, indeed, a problem with vigilante justice. However, the problem with institutionalized justice is that, sooner or later, those institutions become criminal enterprises backed by the full force of law.
When living in a system of complete regulatory capture, a person is forced into either complacency or vigilantism. Sure, you can complain, but that's just unhappy complacency.
It's nice to hear someone say this. Maybe I'm too quick to focus on others, but I see my bosses and co-workers that I'm in charge of cutting corners whenever they can. I try to call them on it when I see it but it's exhausting and depressing and it doesn't feel like saying something will get them to change.
This is the disgusting reality no one addresses. Insurance companies know the rich can afford top-tier lawyers, while the average worker can’t. So, they target the working class, denying help wherever they can. The moment they see your income, they smell weakness and deny you like it’s sport...
These kind of videos is a big part of why I support you. Though the TRUE golden move is to send a call to customers who haven't yet called to complain "Hey, we had a billing mistake and double billed you. We just found out about it. We're sending you a refund on it. Sorry, our bad!" Because having a company reach out to me BEFORE I know there's a mistake or one that I clearly didn't see reeks of honesty. I once had a company Apos-Audio who probably COULD have denied a return from me over something I did. But they heard out my issue, and took the return anyway. It was a keyboard that I changed the firmware on. They sent me the original firmware for me to put back on it when I asked, rather than saying "system modified. no return." and I'll always remember good service and fairness like this.
For a somewhat negative guy, he can be really positive sometimes. You are doing good Louis.
I"m in a dark place at the moment. Louis, this content gives me such hope. Thanks, man.
"Inspect what I would expect". T shirt & mug time.
"Let me INSPECT what I would EXPECT..."
I LOVE THAT. I had to write that one down... 💕
1:20 Door number one turned out to be AOL, I believe, for a very long time people were still paying for dial up service. Decades later.
It was like 60% of revenue (I'm guessing that number, maybe it was 30%...)
My grandmothers house only got fiber 5 years ago. Until then she was paying for AOL because the satellite internet capped us at 5gb for the month (upped to 20 gb later, still not enough for 7 people) and would go out all the time. Dial up was slow but it worked when other things didn’t. I’m so glad to have fiber up there now. It still goes out all the time (at&t) but at least it’s fast and there are no data caps. Websites are so big now that dial up just doesn’t work. Even the .5 to 2 gb/s sat internet wouldn’t load them.
the cat was too good to ignore
I really appreciate this video Louis. Thank you.
Louis I support your efforts. You helped me soldier on when I lost hope. With - IF I didn't laugh, I'd cry. Video Post please take a day off and play it as a great rerun. New Year and 4th of July. Or any Holliday you need a day or week of rest. You can put up Mr. CLINTON -Blackberry, Oreo, or Coy which I forgot how to spell. If I'd didn't laugh, I'd cry is your best lesson 😊
The cat thumbnail will always get me. Long live the meow meow.
Possibly one of the most honest businessmen in the country. Sure, you're not perfect, you've made mistakes, everyone does, you at least admit when you're wrong and work to correct the mistake. Plus, I also enjoy the content you make, I don't care that you yourself don't do many repair videos much, you talk about topics that are interesting, and I learn something. A good teacher will admit that they are wrong, an excellent teacher will teach you how to correct it.
Mr Clinton on the thumbnail?? I'm watching the video!
blackberry
@@rossmanngroupI miss blackberry
@@rossmanngroup Ha! I knew I would get it wrong - trying to be the insider!
Great video, Mr. Rossmann.
You’re generally good for a thoughtful perspective on the things you talk about, but this one; you went further.
Entire setup and execution of message; completely on point.
This is a very important video, thank you Louis. More people need to understand this.
inb4 AI's sole job was to deny too many claims and be a scapegoat for it
I fully expect that to be the case. The current manifestation of "AI" is predominantly language models, which is basically just a more sophisticated version of "autocorrect." They aren't capable of doing any kind of analysis based on knowledge of medicine - they don't have any! Most likely they simply replaced the job of a bunch of humans who basically did the same thing - make up some flimsy BS about why they aren't paying. The fact that IF you contest they end up paying more often than not kind of says it all - their entire business is predicated on rejecting by default and assuming only some fraction of people will actually contest. If the answer is always "no" and you just need some medically plausible sounding verbiage to make it seem legit... then AI is a perfect pick for the job!
@@jamesdurtka2709 No, the current manifestation of AI is not predominantly GenAI. This one is merely the flashy hyped up version that end users are familiar with. AI has been and is still being used for predictions and classification of objects for much longer than GenAI has even been around. So for example, there are AIs that can guess whether the cells in a microscope snapshot are cancerous or not with an incredible degree of accuracy, and this sort of thing has been AI's predominant use for a long time. This, targeted advertising, face detection and recognition, heuristic stuff like intrusion detection or antivirus speculative analysis and so on
Thank you Lewis. I appreciate every video you make
Blew up the fan hub in my Fractal Design case,(was clearly my fault) told them this, they sent me one for free out of warranty!
Thanks Louis you’re a genuine good fellow that propagates the right ideas. Someone to look up to. An example people should aspire to. Keep doing what you’re doing!
I act completely stupid in your comments most of the time, but please know I appreciate and respect you.
Don't say that about yourself my bro. You're very intelligent in the comments. Keep your head up
@@yourlocalhuman3526usually I would agree but the first comment that came up when I clicked on their channel was "dirty old cat starfish all over the chair, yum" so I am not certain if this is true
@@theflyingspagetlmaoooo
@@theflyingspaget as I stated, I usually act completely stupid in his comment section.
You are amazing Pal! If only the rest of the world had your mindset. I support you Louis!
Being intentionally ignorant that your software is stealing from people is not honesty.
This is the best take I've seen on the internet. Period.
I seriously WISH I could ever be so lucky to work for someone with your moral standards.... I have literally quit jobs because of shit like this... I LITERALLY FEEL WRONG WHEN IM NOT DOING THE RIGHT THING, even when it wont "benefit" me...
Insurance companies. The true evil on this planet, you pay them when you don't need them, and they don't pay you when you do need them.
Hi Louis, I hope you are keeping well. 👋
This is definitely a very valid discussion. I have actually spoke with many people about this.
Definetly clicked because of the adorable cat, stayed for the content
Hats off 2u yet again Louis u r one of a rare few o respect and would invite into my home..
Us OG needs with nit only the skills but the actual integrity to go with such are a very rare breed esp nowadays..
We got catfished.
Thank you. You are right! I pray enough people care to change.
Big Business and Big Government rely on the majority not doing anything - as it's cheaper to step on the little guy - attrition rate..
Very well put Sir! With love from Australia.
See cat…must click…
I just want to thank you Louis. You do good work.
What? Having a profit motive in every single aspect of society is a bad idea who would have thought?!?!?
As opposed to what, the glory of the NHS? Have you asked their citizens how much they love their NHS right now? The issue is "state capitalism", an amalgamation of the worst aspects of a free market idea combined with government meddling, favoritism, and mandates. You are not allowed to buy a health plan tailored to your needs or wants. Every health plan must cover everything, yes, including female reproductive health despite the fact that a customer is male.
What if I just want a health plan that covers physical injuries and sickness because it would be infinitely cheaper, and not whatever made up mental pseudoscience is in the DSM-V this week? Can't, that's illegal.
@@Channel-gz9hm Yeah I think I'll still take the NHS over medical debt.
@@PURENT So as opposed to owing money (instead of buying insurance so you wouldn't) but being alive, instead you can die waiting for "free" treatment. The vast majority of "middle class" and up people in the UK pay out of pocket for private care at private clinics to get seen sometime this year because the NHS is so awful. You don't know what you're talking about. You see 'free' on a piece of paper and ask no further questions.
Boot taste yummy me love propaganda @@Channel-gz9hm
@@Channel-gz9hm Yeah. I'll still take that. Mostly because private care in those places is still cheaper than care with insurance coverage in the US.
"Inspect what you expect." I think I'm gonna keep this line with me from now on. Thanks. ❤
Yes you must have got a call for the position for FTC I hope
Sounds like a good idea, but I doubt that with the incoming president. Billionaire filling his cabinet with mostly other billionaires.
@red2theelectricboogaloo961
I pray they see beyond that
"I know it when I see it" is a euphemism for making it up on the fly.
You know what´s the funniest about this video? Putting the cat on the thumbnail actually works.
❤ you're a genuinely great person! You may very well be the guardian for the masses. Stay awesome bro❤
ignorance is the method of evil of cowards, thus the most common.
I love the way you tell a story and present information - very well done. You have inspired me to take a look at my own work more in the future. Great video as always.
I always thought that the 90% denial rate from their AI was intentional
Keep up the excellent work you are doing Louis
Complacent evil is worse than malicious evil.